/* ==========================================================================
   White Shield Insurance — Production Design System
   Mobile-first · Plus Jakarta Sans + Fraunces · Brand blue + cyan accent
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design tokens
   -------------------------------------------------------------------------- */
:root {
  /* Primary brand — deep blue */
  --color-brand: #170c80;
  --color-brand-dark: #110861;
  --color-brand-deep: #0a0540;
  --color-brand-mid: #2414a0;
  --color-brand-soft: #3d2bb8;
  --color-brand-light: #eceef5;
  --color-brand-lighter: #f4f5f9;

  /* Secondary accent — PayPal-inspired cyan */
  --color-accent: #009cde;
  --color-accent-dark: #0070ba;
  --color-accent-deep: #005ea6;
  --color-accent-light: #e8f7fc;
  --color-accent-lighter: #f0faff;

  /* Semantic aliases */
  --color-navy: var(--color-brand);
  --color-blue: var(--color-accent-dark);
  --color-teal: var(--color-accent);
  --color-teal-dark: var(--color-accent-dark);
  --color-teal-light: var(--color-accent-light);
  --color-surface-dark: var(--color-brand-deep);

  /* Legacy gold tokens → accent (keeps existing class names working) */
  --color-gold: var(--color-accent);
  --color-gold-dark: var(--color-accent-dark);
  --color-gold-light: var(--color-accent-light);

  --color-bg: #f8f9fb;
  --color-text: #1f2937;
  --color-success: #22c55e;

  /* Extended palette */
  --color-white: #ffffff;
  --color-text-muted: #64748b;
  --color-muted: var(--color-text-muted);
  --color-text-light: #94a3b8;
  --color-border: #e3e6ef;
  --color-border-strong: #cdd2df;
  --color-surface: #ffffff;
  --color-surface-alt: #f3f4f8;
  --color-error: #ef4444;
  --color-warning: #f59e0b;
  --color-navy-90: rgba(23, 12, 128, 0.9);
  --color-overlay: rgba(10, 5, 64, 0.55);

  /* Shared gradients — stay within brand hue (#170c80 family) */
  --gradient-brand: linear-gradient(
    135deg,
    var(--color-brand-dark) 0%,
    var(--color-brand) 100%
  );
  --gradient-brand-hero: linear-gradient(
    160deg,
    var(--color-brand) 0%,
    var(--color-brand-dark) 100%
  );
  --gradient-brand-vertical: linear-gradient(
    160deg,
    var(--color-brand) 0%,
    var(--color-brand-dark) 100%
  );
  --gradient-brand-accent: linear-gradient(
    90deg,
    var(--color-brand) 0%,
    var(--color-accent) 100%
  );
  --gradient-brand-gold: linear-gradient(
    90deg,
    var(--color-brand) 0%,
    var(--color-accent) 100%
  );
  --gradient-accent: linear-gradient(
    135deg,
    var(--color-accent-dark) 0%,
    var(--color-accent) 100%
  );
  --gradient-surface: linear-gradient(180deg, var(--color-white) 0%, var(--color-bg) 100%);
  --gradient-hero-bg:
    radial-gradient(ellipse 70% 55% at 0% 0%, rgba(23, 12, 128, 0.09) 0%, transparent 55%),
    radial-gradient(ellipse 55% 45% at 100% 10%, rgba(0, 156, 222, 0.08) 0%, transparent 50%),
    radial-gradient(ellipse 40% 35% at 50% 100%, rgba(23, 12, 128, 0.04) 0%, transparent 55%),
    linear-gradient(180deg, #ffffff 0%, var(--color-bg) 100%);

  /* Typography */
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-serif: 'Fraunces', Georgia, 'Times New Roman', serif;

  /* Type scale — 8 steps
     xs/sm: meta & UI · base: body · lg: card titles / h4
     xl: h3 · 2xl–5xl: h2–h1 (responsive) */
  --text-xs: 0.75rem;
  --text-sm: 0.875rem;
  --text-base: 1rem;
  --text-lg: 1.125rem;
  --text-xl: 1.25rem;
  --text-2xl: 1.5rem;
  --text-3xl: 1.75rem;
  --text-4xl: 2rem;
  --text-5xl: 2.375rem;

  --leading-tight: 1.2;
  --leading-snug: 1.35;
  --leading-normal: 1.6;
  --leading-relaxed: 1.75;

  --weight-normal: 400;
  --weight-medium: 500;
  --weight-semibold: 600;
  --weight-bold: 700;

  /* Spacing */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  --py-section: 4rem;
  --container-padding: 1.25rem;
  --container-max: 76rem;

  /* Layout */
  --header-height: 5rem;
  --header-height-scrolled: 4.25rem;
  --product-nav-offset: 5.75rem;
  --radius-sm: 0.5rem;
  --radius-md: 0.75rem;
  --radius-lg: 1rem;
  --radius-xl: 1.25rem;
  --radius-2xl: 1.5rem;
  --radius-3xl: 2rem;
  --radius-full: 9999px;

  /* Shadows — layered, soft depth */
  --shadow-sm: 0 1px 2px rgba(23, 12, 128, 0.05);
  --shadow-md: 0 4px 16px rgba(23, 12, 128, 0.08);
  --shadow-lg: 0 16px 40px rgba(23, 12, 128, 0.1);
  --shadow-xl: 0 24px 56px rgba(23, 12, 128, 0.14);
  --shadow-card: 0 1px 2px rgba(23, 12, 128, 0.04), 0 8px 24px rgba(23, 12, 128, 0.06);
  --shadow-card-hover: 0 8px 16px rgba(23, 12, 128, 0.08), 0 24px 48px rgba(23, 12, 128, 0.12);
  --shadow-glow-accent: 0 8px 32px rgba(0, 156, 222, 0.28);
  --shadow-glow-brand: 0 8px 32px rgba(23, 12, 128, 0.22);

  /* Motion */
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
  --duration-fast: 150ms;
  --duration-base: 250ms;
  --duration-slow: 400ms;
  --duration-reveal: 600ms;

  /* Focus */
  --focus-ring: 0 0 0 3px rgba(0, 156, 222, 0.4);
  --focus-ring-offset: 0 0 0 2px var(--color-white), 0 0 0 4px var(--color-accent);

  /* Breakpoints (reference only — use in @media) */
  /* 480px sm · 768px md · 1024px lg · 1280px xl */
}

@media (min-width: 768px) {
  :root {
    --py-section: 5rem;
    --container-padding: 1.5rem;
  }
}

@media (min-width: 1024px) {
  :root {
    --py-section: 6.5rem;
    --container-padding: 2rem;
  }
}

/* --------------------------------------------------------------------------
   2. Reset & base
   -------------------------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--text-base);
  font-weight: var(--weight-normal);
  line-height: var(--leading-normal);
  color: var(--color-text);
  background-color: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body.nav-open {
  overflow: hidden;
}

img,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

/* Inline UI icons (.icon svg) set their own size; avoid collapsing to 0 */
svg:not(.hero-illustration__svg) {
  display: block;
  max-width: 100%;
}

ul,
ol {
  margin: 0;
  padding: 0;
  list-style: none;
}

h1,
h2,
h3,
h4,
h5,
h6,
p,
figure,
blockquote {
  margin: 0;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-serif);
  font-weight: var(--weight-semibold);
  line-height: var(--leading-tight);
  color: var(--color-navy);
}

h1 {
  font-size: var(--text-3xl);
  letter-spacing: -0.03em;
}

h2 {
  font-size: var(--text-2xl);
  letter-spacing: -0.025em;
}

h3 {
  font-size: var(--text-lg);
}

h4 {
  font-size: var(--text-base);
}

@media (min-width: 768px) {
  h1 {
    font-size: var(--text-4xl);
  }

  h2 {
    font-size: var(--text-3xl);
  }

  h3 {
    font-size: var(--text-xl);
  }

  h4 {
    font-size: var(--text-lg);
  }
}

@media (min-width: 1024px) {
  h1 {
    font-size: var(--text-5xl);
  }
}

a {
  color: var(--color-blue);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.15em;
  transition: color var(--duration-fast) var(--ease-out);
}

a:hover {
  color: var(--color-teal);
}

a:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

button {
  font-family: inherit;
  cursor: pointer;
}

input,
textarea,
select {
  font-family: inherit;
  font-size: inherit;
}

/* --------------------------------------------------------------------------
   3. Utilities
   -------------------------------------------------------------------------- */
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: var(--space-4);
  left: var(--space-4);
  z-index: 10000;
  padding: var(--space-3) var(--space-5);
  font-weight: var(--weight-semibold);
  font-size: var(--text-sm);
  color: var(--color-white);
  background: var(--color-navy);
  border-radius: var(--radius-md);
  text-decoration: none;
  transform: translateY(-200%);
  transition: transform var(--duration-base) var(--ease-out);
}

.skip-link:focus {
  transform: translateY(0);
  outline: none;
  box-shadow: var(--focus-ring);
}

.hide-mobile,
.btn.hide-mobile,
a.hide-mobile {
  display: none !important;
}

@media (min-width: 768px) {
  .hide-mobile,
  .btn.hide-mobile,
  a.hide-mobile {
    display: inline-flex !important;
  }
}

.hide-desktop {
  display: block;
}

@media (min-width: 768px) {
  .hide-desktop {
    display: none;
  }
}

.text-center {
  text-align: center;
}

.text-muted {
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   4. Container & sections
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-padding);
}

.section {
  padding-block: var(--py-section);
}

.section--alt {
  background-color: var(--color-surface-alt);
  border-block: 1px solid var(--color-border);
}

.section--dark {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.section-header {
  max-width: 42rem;
  margin-bottom: var(--space-10);
}

.section-header.text-center,
.section-header--center {
  margin-inline: auto;
  text-align: center;
}

.section-label {
  display: inline-block;
  margin-bottom: var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-teal);
}

.section-label--light {
  color: var(--color-gold);
}

.section-desc {
  margin-top: var(--space-4);
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   5. Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.75rem 1.5rem;
  font-family: var(--font-sans);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  line-height: 1;
  text-decoration: none;
  border: 2px solid transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition:
    background-color var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out),
    color var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out),
    transform var(--duration-fast) var(--ease-out);
}

.btn:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.btn:active {
  transform: scale(0.98);
}

.btn--primary {
  color: var(--color-white);
  background: var(--gradient-accent);
  border-color: var(--color-accent);
}

.btn--primary:hover {
  color: var(--color-white);
  background-color: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
}

.btn--secondary {
  color: var(--color-white);
  background-color: var(--color-brand);
  border-color: var(--color-brand);
}

.btn--secondary:hover {
  color: var(--color-white);
  background-color: var(--color-brand-dark);
  border-color: var(--color-brand-dark);
}

.btn--outline {
  color: var(--color-blue);
  background-color: transparent;
  border-color: var(--color-blue);
}

.btn--outline:hover {
  color: var(--color-white);
  background-color: var(--color-blue);
  border-color: var(--color-blue);
}

.btn--outline-light {
  color: var(--color-white);
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.65);
}

.btn--outline-light:hover {
  color: var(--color-navy);
  background-color: var(--color-white);
  border-color: var(--color-white);
}

.btn--gold {
  color: var(--color-white);
  background: var(--gradient-accent);
  border-color: var(--color-accent);
}

.btn--gold:hover {
  color: var(--color-white);
  background-color: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
}

.btn--text {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  min-height: 2.75rem;
  padding: 0.625rem 0;
  color: var(--color-accent-dark);
  background: transparent;
  border-color: transparent;
  border-radius: 0;
}

.btn--text:hover {
  color: var(--color-accent-deep);
  text-decoration: underline;
  text-underline-offset: 0.2em;
}

.btn--sm {
  padding: 0.5rem 1rem;
  font-size: var(--text-sm);
}

.btn--lg {
  padding: 0.875rem 1.75rem;
  font-size: var(--text-base);
  border-radius: var(--radius-lg);
}

.btn--block {
  display: flex;
  width: 100%;
}

/* --------------------------------------------------------------------------
   6. Site header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  height: var(--header-height);
  background-color: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition:
    height var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out);
}

.site-header.is-scrolled {
  height: var(--header-height-scrolled);
  border-bottom-color: var(--color-border);
  box-shadow: 0 4px 20px rgba(23, 12, 128, 0.08);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: var(--space-4);
}

.logo {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
}

.logo__image {
  display: block;
  width: auto;
  height: 2.75rem;
  max-width: min(14rem, 46vw);
  transition: height var(--duration-base) var(--ease-out);
}

.site-header.is-scrolled .logo__image {
  height: 2.25rem;
}

.logo--footer .logo__image {
  height: 3rem;
  max-width: 15rem;
  filter: brightness(0) invert(1);
}

.logo:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-md);
}

.logo__icon {
  display: flex;
  width: 2.25rem;
  height: 2.25rem;
  color: var(--color-teal);
  transition: transform var(--duration-base) var(--ease-out);
}

.site-header.is-scrolled .logo__icon {
  width: 2rem;
  height: 2rem;
}

.logo__icon svg path:last-of-type {
  stroke: var(--color-accent);
}

.logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.logo__text strong {
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  letter-spacing: -0.02em;
}

.logo__text span {
  font-size: var(--text-xs);
  font-weight: var(--weight-medium);
  color: var(--color-text-muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.logo--footer .logo__text strong {
  color: var(--color-white);
}

.logo--footer .logo__text span {
  color: var(--color-text-light);
}

.nav-desktop {
  display: none;
}

@media (min-width: 1024px) {
  .nav-desktop {
    display: block;
    flex: 1;
    margin-inline: var(--space-8);
  }
}

.nav-list {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-1);
}

.nav-link {
  display: block;
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  text-decoration: none;
  border-radius: var(--radius-md);
  transition:
    color var(--duration-fast) var(--ease-out),
    background-color var(--duration-fast) var(--ease-out);
}

.nav-link:hover {
  color: var(--color-teal);
  background-color: var(--color-teal-light);
}

.nav-link.is-active {
  color: var(--color-accent-dark);
  font-weight: var(--weight-semibold);
  background-color: var(--color-accent-light);
}

.nav-link:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 2.75rem;
  height: 2.75rem;
  padding: var(--space-2);
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
}

.nav-toggle span {
  display: block;
  width: 100%;
  height: 2px;
  background-color: var(--color-navy);
  border-radius: 1px;
  transition:
    transform var(--duration-base) var(--ease-out),
    opacity var(--duration-base) var(--ease-out);
}

.nav-toggle[aria-expanded='true'] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded='true'] span:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded='true'] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.nav-toggle:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

@media (min-width: 1024px) {
  .nav-toggle {
    display: none;
  }
}

.nav-mobile {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background-color: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  max-height: calc(100dvh - var(--header-height));
  overflow-y: auto;
}

.nav-mobile[hidden] {
  display: none;
}

.nav-mobile__list {
  padding: var(--space-4) var(--container-padding) var(--space-8);
}

.nav-mobile__link {
  display: block;
  padding: var(--space-4) 0;
  font-size: var(--text-lg);
  font-weight: var(--weight-medium);
  color: var(--color-navy);
  text-decoration: none;
  border-bottom: 1px solid var(--color-border);
}

.nav-mobile__link:hover {
  color: var(--color-teal);
}

.nav-mobile__link:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.nav-mobile__cta {
  margin-top: var(--space-6);
  padding-top: var(--space-4);
}

/* --------------------------------------------------------------------------
   7. Hero home
   -------------------------------------------------------------------------- */
.hero-home {
  position: relative;
  overflow: hidden;
  padding-block: var(--space-12) var(--py-section);
}

.hero-home__bg {
  position: absolute;
  inset: 0;
  background: var(--gradient-hero-bg);
  pointer-events: none;
}

.hero-home__bg::after {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 60%;
  height: 80%;
  background: radial-gradient(ellipse, rgba(23, 12, 128, 0.06) 0%, transparent 70%);
}

.hero-home__grid {
  position: relative;
  display: grid;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 1024px) {
  .hero-home__grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.hero-home__content h1 {
  margin-bottom: var(--space-4);
}

.hero-home__tagline {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  font-weight: var(--weight-medium);
  color: var(--color-blue);
}

.hero-home__desc {
  margin-bottom: var(--space-8);
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
  max-width: 36rem;
}

.hero-home__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
}

.trust-badges {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-3);
}

@media (min-width: 480px) {
  .trust-badges {
    grid-template-columns: 1fr 1fr;
  }
}

.trust-badges li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
}

.trust-badges__check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
  font-size: var(--text-xs);
  color: var(--color-white);
  background-color: var(--color-accent);
  border-radius: var(--radius-full);
}

.hero-home__visual {
  display: flex;
  justify-content: center;
}

.hero-illustration {
  position: relative;
  width: 100%;
  max-width: 22rem;
  aspect-ratio: 1;
}

@media (min-width: 1024px) {
  .hero-illustration {
    max-width: 26rem;
  }
}

.hero-illustration__svg {
  width: 100%;
  height: 100%;
}

.hero-illustration__card {
  position: absolute;
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  padding: var(--space-3) var(--space-4);
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--color-border);
  animation: floatCard 4s var(--ease-in-out) infinite;
}

.hero-illustration__card strong {
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  color: var(--color-navy);
}

.hero-illustration__card span {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.hero-illustration__card--1 {
  top: 8%;
  left: -5%;
  animation-delay: 0s;
}

.hero-illustration__card--2 {
  top: 42%;
  right: -8%;
  animation-delay: 1.3s;
}

.hero-illustration__card--3 {
  bottom: 10%;
  left: 10%;
  animation-delay: 2.6s;
}

@keyframes floatCard {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

/* --------------------------------------------------------------------------
   8. Stats bar
   -------------------------------------------------------------------------- */
.stats-bar {
  background: var(--gradient-brand-hero);
  color: var(--color-white);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-8);
  }
}

.stat-card {
  text-align: center;
  padding: var(--space-4);
}

.stat-card__value {
  display: block;
  font-family: var(--font-serif);
  font-size: var(--text-3xl);
  font-weight: var(--weight-bold);
  line-height: 1;
  color: var(--color-gold);
  margin-bottom: var(--space-2);
}

@media (min-width: 768px) {
  .stat-card__value {
    font-size: var(--text-4xl);
  }
}

.stat-card__value.counter {
  font-variant-numeric: tabular-nums;
}

.stat-card__label {
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: rgba(255, 255, 255, 0.85);
  line-height: var(--leading-snug);
}

/* --------------------------------------------------------------------------
   9. Trust section & partners
   -------------------------------------------------------------------------- */
.trust-grid {
  display: grid;
  gap: var(--space-6);
  margin-bottom: var(--space-12);
}

@media (min-width: 768px) {
  .trust-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.trust-card {
  padding: var(--space-6);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  transition:
    box-shadow var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out);
}

.trust-card:hover {
  box-shadow: var(--shadow-card-hover);
  border-color: var(--color-teal-light);
}

.trust-card h3 {
  margin-bottom: var(--space-3);
  font-size: var(--text-lg);
}

.trust-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

.trust-card--irdai {
  background: var(--gradient-brand-hero);
  border-color: transparent;
  color: var(--color-white);
}

.trust-card--irdai h3,
.trust-card--irdai p {
  color: var(--color-white);
}

.trust-card--irdai p {
  opacity: 0.9;
}

.trust-card__license {
  margin-top: var(--space-4);
  margin-bottom: var(--space-4);
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  background-color: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-md);
}

.trust-metrics {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-top: var(--space-4);
}

.trust-metrics li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: var(--space-2);
  font-size: var(--text-sm);
  border-bottom: 1px dashed var(--color-border);
}

.trust-metrics li:last-child {
  border-bottom: none;
}

.trust-metrics strong {
  color: var(--color-teal);
  font-weight: var(--weight-bold);
}

.satisfaction-meter {
  height: 0.5rem;
  margin: var(--space-4) 0 var(--space-3);
  background-color: var(--color-surface-alt);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.satisfaction-meter__fill {
  height: 100%;
  background: var(--gradient-brand-gold);
  border-radius: var(--radius-full);
  transition: width var(--duration-slow) var(--ease-out);
}

.satisfaction-meter__label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.trust-partners {
  padding-top: var(--space-8);
  border-top: 1px solid var(--color-border);
}

.trust-partners__title {
  margin-bottom: var(--space-6);
  font-size: var(--text-lg);
  text-align: center;
  color: var(--color-text-muted);
  font-family: var(--font-sans);
  font-weight: var(--weight-semibold);
}

.partner-logos {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
}

@media (min-width: 480px) {
  .partner-logos {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 768px) {
  .partner-logos {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (min-width: 1024px) {
  .partner-logos {
    grid-template-columns: repeat(6, 1fr);
  }
}

.partner-logos--compact {
  grid-template-columns: repeat(2, 1fr);
}

@media (min-width: 480px) {
  .partner-logos--compact {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 768px) {
  .partner-logos--compact {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (min-width: 1024px) {
  .partner-logos--compact {
    grid-template-columns: repeat(5, 1fr);
  }
}

.partner-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: var(--space-5) var(--space-4);
  min-height: 5.5rem;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  transition:
    border-color var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out),
    transform var(--duration-base) var(--ease-out);
}

.partner-logo:hover {
  border-color: rgba(0, 156, 222, 0.35);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.partner-logo__image {
  display: block;
  width: 100%;
  max-width: 7.5rem;
  height: 2.75rem;
  object-fit: contain;
  object-position: center;
}

.partner-logos--compact .partner-logo {
  padding: var(--space-4) var(--space-3);
  min-height: 4.75rem;
}

.partner-logos--compact .partner-logo__image {
  max-width: 6.5rem;
  height: 2.25rem;
}

.partner-logo__initials {
  display: none;
}

.partner-logo__name {
  display: none;
}

/* --------------------------------------------------------------------------
   10. Product cards
   -------------------------------------------------------------------------- */
.product-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 480px) {
  .product-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .product-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.product-card {
  display: flex;
  flex-direction: column;
  padding: var(--space-6);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  transition:
    transform var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out);
}

.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(23, 12, 128, 0.35);
}

.product-card__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  margin-bottom: var(--space-4);
  color: var(--color-teal);
  background-color: var(--color-teal-light);
  border-radius: var(--radius-lg);
}

.product-card h3 {
  margin-bottom: var(--space-3);
}

.product-card p {
  flex: 1;
  margin-bottom: var(--space-5);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

/* --------------------------------------------------------------------------
   11. Feature cards
   -------------------------------------------------------------------------- */
.feature-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .feature-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .feature-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.feature-card {
  padding: var(--space-6);
  background-color: var(--color-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  transition: box-shadow var(--duration-base) var(--ease-out);
}

.feature-card:hover {
  box-shadow: var(--shadow-md);
}

.feature-card__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  margin-bottom: var(--space-4);
  font-size: var(--text-xl);
  color: var(--color-teal);
  background-color: var(--color-teal-light);
  border-radius: var(--radius-lg);
}

.feature-card h3 {
  margin-bottom: var(--space-3);
  font-size: var(--text-lg);
}

.feature-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

/* --------------------------------------------------------------------------
   12. Story cards
   -------------------------------------------------------------------------- */
.stories-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .stories-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1280px) {
  .stories-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.story-card {
  padding: var(--space-6);
  background-color: var(--color-white);
  border-left: 4px solid var(--color-teal);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--duration-base) var(--ease-out);
}

.story-card:hover {
  box-shadow: var(--shadow-card-hover);
}

.story-card__category {
  display: inline-block;
  margin-bottom: var(--space-3);
  padding: var(--space-1) var(--space-3);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-teal);
  background-color: var(--color-teal-light);
  border-radius: var(--radius-full);
}

.story-card h3 {
  margin-bottom: var(--space-3);
  font-size: var(--text-lg);
}

.story-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

.story-card__outcome {
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-blue);
  border-top: 1px solid var(--color-border);
}

/* --------------------------------------------------------------------------
   13. Claims section & timeline
   -------------------------------------------------------------------------- */
.claims-section {
  background: var(--gradient-brand-hero);
  color: var(--color-white);
}

.claims-section h2,
.claims-section h3 {
  color: var(--color-white);
}

.claims-section__header {
  max-width: 40rem;
  margin-bottom: var(--space-12);
}

.claims-section__sub {
  margin-top: var(--space-2);
  font-family: var(--font-serif);
  font-size: var(--text-xl);
  color: var(--color-gold);
}

.claims-section__desc {
  margin-top: var(--space-4);
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: rgba(255, 255, 255, 0.85);
}

.claims-section--compact .claims-section__header {
  margin-bottom: var(--space-8);
}

.timeline {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: var(--space-10);
  padding-left: var(--space-8);
}

.timeline::before {
  content: '';
  position: absolute;
  left: 0.875rem;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--gradient-brand-gold);
  border-radius: 1px;
}

.timeline__item {
  position: relative;
  padding-bottom: var(--space-8);
}

.timeline__item:last-child {
  padding-bottom: 0;
}

.timeline__step {
  position: absolute;
  left: calc(-1 * var(--space-8));
  display: flex;
  align-items: center;
  justify-content: center;
  width: 1.75rem;
  height: 1.75rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  background-color: var(--color-accent);
  border-radius: var(--radius-full);
  box-shadow: 0 0 0 4px rgba(0, 156, 222, 0.25);
}

.timeline__content {
  padding-left: var(--space-4);
}

.timeline__content h3 {
  margin-bottom: var(--space-2);
  font-size: var(--text-lg);
}

.timeline__content p {
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: rgba(255, 255, 255, 0.8);
}

@media (min-width: 768px) {
  .timeline {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-8) var(--space-10);
    padding-left: 0;
  }

  .timeline::before {
    display: none;
  }

  .timeline__item {
    padding-bottom: 0;
    padding-left: 0;
  }

  .timeline__step {
    position: static;
    margin-bottom: var(--space-4);
  }

  .timeline__content {
    padding-left: 0;
  }
}

@media (min-width: 1024px) {
  .timeline {
    grid-template-columns: repeat(4, 1fr);
  }
}

.claims-highlight {
  margin: 0;
  padding: var(--space-6) var(--space-8);
  font-family: var(--font-serif);
  font-size: var(--text-xl);
  font-style: italic;
  text-align: center;
  color: var(--color-navy);
  background-color: var(--color-gold);
  border-radius: var(--radius-xl);
  border: none;
}

.claims-highlight p {
  margin: 0;
}

/* --------------------------------------------------------------------------
   14. Testimonial carousel
   -------------------------------------------------------------------------- */
.carousel {
  max-width: 48rem;
  margin-inline: auto;
}

.carousel__track {
  position: relative;
  min-height: 14rem;
  margin-bottom: var(--space-8);
}

.carousel__slide {
  position: absolute;
  inset: 0;
  margin: 0;
  padding: var(--space-8);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateX(1.5rem);
  transition:
    opacity var(--duration-slow) var(--ease-out),
    transform var(--duration-slow) var(--ease-out),
    visibility var(--duration-slow);
}

.carousel__slide.is-active {
  position: relative;
  opacity: 1;
  visibility: visible;
  transform: translateX(0);
}

.carousel__stars {
  display: flex;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
}

.carousel__stars .star {
  font-size: var(--text-xl);
  color: var(--color-gold);
}

.carousel__quote {
  margin-bottom: var(--space-6);
  font-size: var(--text-lg);
  font-style: italic;
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.carousel__slide footer {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.carousel__slide cite {
  font-style: normal;
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
}

.carousel__slide footer span {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.carousel__controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
}

.carousel__btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 2.75rem;
  height: 2.75rem;
  font-size: var(--text-2xl);
  line-height: 1;
  color: var(--color-navy);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  transition:
    background-color var(--duration-fast) var(--ease-out),
    border-color var(--duration-fast) var(--ease-out),
    color var(--duration-fast) var(--ease-out);
}

.carousel__btn:hover {
  color: var(--color-white);
  background-color: var(--color-teal);
  border-color: var(--color-teal);
}

.carousel__btn:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.carousel__dots {
  display: flex;
  gap: var(--space-2);
}

.carousel__dot {
  width: 0.625rem;
  height: 0.625rem;
  padding: 0;
  background-color: var(--color-border-strong);
  border: none;
  border-radius: var(--radius-full);
  transition:
    background-color var(--duration-fast) var(--ease-out),
    transform var(--duration-fast) var(--ease-out);
}

.carousel__dot:hover {
  background-color: var(--color-teal);
}

.carousel__dot.is-active {
  background-color: var(--color-teal);
  transform: scale(1.25);
}

.carousel__dot:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

/* --------------------------------------------------------------------------
   15. FAQ accordion
   -------------------------------------------------------------------------- */
.faq-section .accordion {
  max-width: 48rem;
  margin-inline: auto;
}

.accordion__item {
  border-bottom: 1px solid var(--color-border);
}

.accordion__item:first-child {
  border-top: 1px solid var(--color-border);
}

.accordion__trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  width: 100%;
  padding: var(--space-5) 0;
  font-family: var(--font-serif);
  font-size: var(--text-base);
  font-weight: var(--weight-medium);
  text-align: left;
  color: var(--color-navy);
  background: transparent;
  border: none;
  transition: color var(--duration-fast) var(--ease-out);
}

.accordion__trigger:hover {
  color: var(--color-teal);
}

.accordion__trigger:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.accordion__icon {
  position: relative;
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
}

.accordion__icon::before,
.accordion__icon::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0.875rem;
  height: 2px;
  background-color: var(--color-teal);
  transform: translate(-50%, -50%);
  transition: transform var(--duration-base) var(--ease-out);
}

.accordion__icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.accordion__item.is-open .accordion__icon::after {
  transform: translate(-50%, -50%) rotate(0deg);
  opacity: 0;
}

.accordion__panel {
  padding: 0 0 var(--space-6);
}

.accordion__panel[hidden] {
  display: none;
}

.accordion__panel p {
  margin: 0;
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   16. Forms
   -------------------------------------------------------------------------- */
.form-group {
  margin-bottom: var(--space-5);
}

.form-row {
  display: grid;
  gap: var(--space-5);
}

@media (min-width: 768px) {
  .form-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .form-row--3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

label,
.form-label {
  display: block;
  margin-bottom: var(--space-2);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
}

input[type='text'],
input[type='email'],
input[type='tel'],
input[type='password'],
input[type='number'],
input[type='date'],
input[type='url'],
input[type='search'],
textarea,
select,
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: var(--text-base);
  color: var(--color-text);
  background-color: var(--color-white);
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  transition:
    border-color var(--duration-fast) var(--ease-out),
    box-shadow var(--duration-fast) var(--ease-out);
}

input:hover,
textarea:hover,
select:hover,
.form-control:hover {
  border-color: var(--color-blue);
}

input:focus,
textarea:focus,
select:focus,
.form-control:focus {
  outline: none;
  border-color: var(--color-teal);
  box-shadow: var(--focus-ring);
}

input::placeholder,
textarea::placeholder {
  color: var(--color-text-light);
}

textarea {
  min-height: 8rem;
  resize: vertical;
}

select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23170c80' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

input[type='file'] {
  padding: var(--space-3);
  font-size: var(--text-sm);
  border-style: dashed;
  background-color: var(--color-surface-alt);
}

input[type='checkbox'],
input[type='radio'] {
  width: 1.125rem;
  height: 1.125rem;
  accent-color: var(--color-teal);
  cursor: pointer;
}

input[type='checkbox']:focus-visible,
input[type='radio']:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
}

.form-check label {
  margin-bottom: 0;
  font-weight: var(--weight-normal);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.form-hint {
  margin-top: var(--space-2);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.form-status {
  margin-top: var(--space-4);
  padding: var(--space-4);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-brand);
  background: var(--color-accent-light);
  border: 1px solid rgba(0, 156, 222, 0.2);
  border-radius: var(--radius-md);
}

.form-status[hidden] {
  display: none;
}

.form-error {
  margin-top: var(--space-2);
  font-size: var(--text-xs);
  color: var(--color-error);
}

fieldset {
  margin: 0;
  padding: 0;
  border: none;
}

legend {
  margin-bottom: var(--space-4);
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-top: var(--space-8);
}

.form-card {
  padding: var(--space-8);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
}

/* --------------------------------------------------------------------------
   17. Page hero & breadcrumb
   -------------------------------------------------------------------------- */
.page-hero {
  padding-block: var(--space-12);
  background: var(--color-brand);
  border-bottom: none;
  color: var(--color-white);
}

.page-hero h1,
.page-hero .section-label {
  color: var(--color-white);
}

.page-hero .section-label {
  color: var(--color-gold);
}

.page-hero .page-hero__desc {
  color: rgba(255, 255, 255, 0.85);
}

/* Optional light variant if needed on a specific page */
.page-hero--light {
  background: var(--gradient-surface);
  border-bottom: 1px solid var(--color-border);
  color: var(--color-text);
}

.page-hero--light h1 {
  color: var(--color-navy);
}

.page-hero--light .section-label {
  color: var(--color-teal);
}

.page-hero--light .page-hero__desc {
  color: var(--color-text-muted);
}

.page-hero__inner {
  max-width: 42rem;
}

.page-hero__desc {
  margin: 0;
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.breadcrumb {
  padding-block: var(--space-4);
  font-size: var(--text-sm);
}

.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-2);
}

.breadcrumb li {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--color-text-muted);
}

.breadcrumb li:not(:last-child)::after {
  content: '/';
  color: var(--color-text-light);
}

.breadcrumb a {
  color: var(--color-blue);
  text-decoration: none;
  font-weight: var(--weight-medium);
}

.breadcrumb a:hover {
  color: var(--color-teal);
  text-decoration: underline;
}

.breadcrumb a:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.breadcrumb [aria-current='page'] {
  color: var(--color-text);
  font-weight: var(--weight-semibold);
}

/* --------------------------------------------------------------------------
   18. Footer
   -------------------------------------------------------------------------- */
.site-footer {
  padding-block: var(--space-16) var(--space-10);
  background-color: var(--color-brand);
  border-top: 3px solid var(--color-accent);
  color: rgba(255, 255, 255, 0.88);
}

.logo--footer {
  color: var(--color-white);
  margin-bottom: var(--space-2);
}

.logo--footer .logo__icon {
  color: var(--color-white);
}

.footer-grid {
  display: grid;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.5fr repeat(4, 1fr);
    gap: var(--space-8);
  }
}

.footer-col h3 {
  margin-bottom: var(--space-4);
  font-family: var(--font-sans);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-white);
}

.footer-col ul li {
  margin-bottom: var(--space-3);
}

.footer-col a {
  display: inline-flex;
  align-items: center;
  min-height: 2.75rem;
  padding: 0.375rem 0;
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  transition: color var(--duration-fast) var(--ease-out);
}

.footer-col a:hover {
  color: var(--color-accent);
}

.footer-col a:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.footer-tagline {
  margin: var(--space-4) 0 var(--space-2);
  font-family: var(--font-serif);
  font-size: var(--text-base);
  color: rgba(255, 255, 255, 0.92);
}

.footer-desc {
  margin-bottom: var(--space-4);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: rgba(255, 255, 255, 0.7);
}

.footer-irdai {
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.6);
}

.footer-social {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 2.75rem;
  min-height: 2.75rem;
  padding: 0 0.75rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-white);
  background-color: rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition:
    background-color var(--duration-fast) var(--ease-out),
    color var(--duration-fast) var(--ease-out);
}

.footer-social a:hover {
  background-color: var(--color-accent);
  color: var(--color-white);
}

.footer-social a:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.footer-bottom {
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  text-align: center;
}

.footer-bottom p {
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.6);
}

.footer-bottom__note {
  margin-top: var(--space-2);
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.45);
}

/* --------------------------------------------------------------------------
   19. Login split layout
   -------------------------------------------------------------------------- */
.login-page {
  min-height: calc(100dvh - var(--header-height));
  display: flex;
  flex-direction: column;
}

.login-split {
  display: grid;
  flex: 1;
  min-height: inherit;
}

@media (min-width: 1024px) {
  .login-split {
    grid-template-columns: 1fr 1fr;
  }
}

.login-split__brand {
  display: none;
  position: relative;
  padding: var(--space-12);
  background: var(--gradient-brand-hero);
  color: var(--color-white);
  overflow: hidden;
}

@media (min-width: 1024px) {
  .login-split__brand {
    display: flex;
    flex-direction: column;
    justify-content: center;
  }
}

.login-split__brand::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 0.5;
}

.login-split__brand-inner {
  position: relative;
  max-width: 24rem;
}

.login-split__brand h1 {
  margin-bottom: var(--space-4);
  color: var(--color-white);
  font-size: var(--text-3xl);
}

.login-split__brand p {
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: rgba(255, 255, 255, 0.9);
}

.login-split__features {
  margin-top: var(--space-8);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.login-split__features li {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-sm);
}

.login-split__features li::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 1.5rem;
  height: 1.5rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  background-color: var(--color-accent);
  border-radius: var(--radius-full);
}

.login-split__form {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-10) var(--container-padding);
  background-color: var(--color-bg);
}

.login-card {
  width: 100%;
  max-width: 24rem;
}

.login-card h2 {
  margin-bottom: var(--space-2);
  text-align: center;
}

.login-card__subtitle {
  margin-bottom: var(--space-8);
  text-align: center;
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.login-card__footer {
  margin-top: var(--space-6);
  text-align: center;
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.login-card__footer a {
  font-weight: var(--weight-semibold);
}

/* --------------------------------------------------------------------------
   20. Final CTA — see design revamp block near end of file
   -------------------------------------------------------------------------- */

/* --------------------------------------------------------------------------
   21. Knowledge centre
   -------------------------------------------------------------------------- */
.knowledge-preview {
  background-color: var(--color-white);
}

.knowledge-category {
  margin-bottom: var(--space-12);
}

.knowledge-category:last-child {
  margin-bottom: 0;
}

.knowledge-category h3 {
  margin-bottom: var(--space-6);
  padding-bottom: var(--space-3);
  font-size: var(--text-xl);
  border-bottom: 2px solid var(--color-brand-light);
}

.article-preview-grid {
  display: grid;
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .article-preview-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.article-preview-card {
  padding: var(--space-5);
  background-color: var(--color-surface-alt);
  border-radius: var(--radius-lg);
  border: 1px solid transparent;
  transition:
    border-color var(--duration-base) var(--ease-out),
    background-color var(--duration-base) var(--ease-out);
}

.article-preview-card:hover {
  background-color: var(--color-white);
  border-color: var(--color-border);
  box-shadow: var(--shadow-sm);
}

.article-preview-card__meta {
  display: inline-block;
  margin-bottom: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-teal);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.article-preview-card h4 {
  margin-bottom: var(--space-2);
  font-family: var(--font-serif);
  font-size: var(--text-base);
  color: var(--color-navy);
}

.article-preview-card h4 a {
  color: inherit;
  text-decoration: none;
}

.article-preview-card h4 a:hover {
  color: var(--color-teal);
  text-decoration: none;
}

.article-preview-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

.filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-bottom: var(--space-10);
}

.filter-pill {
  min-height: 2.75rem;
  padding: var(--space-2) var(--space-5);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  background-color: var(--color-white);
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-full);
  cursor: pointer;
  transition:
    background-color var(--duration-fast) var(--ease-out),
    border-color var(--duration-fast) var(--ease-out),
    color var(--duration-fast) var(--ease-out);
}

.filter-pill:hover {
  border-color: var(--color-teal);
  color: var(--color-teal);
}

.filter-pill.is-active {
  color: var(--color-white);
  background-color: var(--color-teal);
  border-color: var(--color-teal);
}

.filter-pill:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

.article-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .article-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.article-card {
  padding: var(--space-6);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  transition:
    box-shadow var(--duration-base) var(--ease-out),
    opacity var(--duration-base) var(--ease-out);
}

.article-card.filtered-out {
  opacity: 0.4;
}

.article-card__category {
  display: inline-block;
  margin-bottom: var(--space-3);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-teal);
}

.article-card__title {
  display: block;
  margin-bottom: var(--space-3);
  padding: 0.25rem 0;
  min-height: 2.75rem;
  font-family: var(--font-serif);
  font-size: var(--text-xl);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  text-decoration: none;
}

.article-card__title:hover {
  color: var(--color-teal);
}

.article-card__title:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.article-card__excerpt {
  margin-bottom: var(--space-4);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

.article-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-border);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.article-card__body {
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px dashed var(--color-border);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.article-card__body[hidden] {
  display: none;
}

/* --------------------------------------------------------------------------
   22. Google review cards & video placeholders
   -------------------------------------------------------------------------- */
.reviews-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .reviews-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.google-review-card {
  display: flex;
  flex-direction: column;
  padding: var(--space-6);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--duration-base) var(--ease-out);
}

.google-review-card:hover {
  box-shadow: var(--shadow-card-hover);
}

.google-review-card__header {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}

.google-review-card__avatar {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 2.5rem;
  height: 2.5rem;
  font-size: var(--text-sm);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  background: var(--gradient-brand-accent);
  border-radius: var(--radius-full);
}

.google-review-card__meta strong {
  display: block;
  font-size: var(--text-sm);
  color: var(--color-navy);
}

.google-review-card__meta span {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.google-review-card__rating {
  display: flex;
  gap: 2px;
  margin-bottom: var(--space-3);
}

.google-review-card__rating .star {
  color: var(--color-gold);
  font-size: var(--text-sm);
}

.google-review-card__text {
  flex: 1;
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.google-review-card__source {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-text-muted);
  border-top: 1px solid var(--color-border);
}

.google-review-card__source::before {
  content: 'G';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 1.25rem;
  height: 1.25rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  background: linear-gradient(135deg, #4285f4, #34a853, #fbbc05, #ea4335);
  border-radius: var(--radius-sm);
}

.video-grid {
  display: grid;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .video-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .video-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.video-placeholder {
  position: relative;
  aspect-ratio: 16 / 9;
  background: var(--gradient-brand-hero);
  border-radius: var(--radius-xl);
  overflow: hidden;
  cursor: pointer;
  transition:
    transform var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out);
}

.video-placeholder:hover {
  transform: scale(1.02);
  box-shadow: var(--shadow-lg);
}

.video-placeholder:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring), var(--shadow-lg);
}

.video-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, rgba(23, 12, 128, 0.7) 0%, transparent 50%);
}

.video-placeholder__play {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 4rem;
  height: 4rem;
  font-size: var(--text-xl);
  color: var(--color-navy);
  background-color: var(--color-gold);
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-lg);
  transition: transform var(--duration-fast) var(--ease-out);
}

.video-placeholder:hover .video-placeholder__play {
  transform: translate(-50%, -50%) scale(1.08);
}

.video-placeholder__label {
  position: absolute;
  bottom: var(--space-4);
  left: var(--space-4);
  right: var(--space-4);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-white);
}

/* --------------------------------------------------------------------------
   23. Product detail sections
   -------------------------------------------------------------------------- */
.product-detail {
  padding-block: var(--py-section);
  scroll-margin-top: calc(var(--header-height, 4.5rem) + var(--product-nav-offset, 5.75rem));
}

.product-detail--alt {
  background-color: var(--color-surface-alt);
}

.product-detail__grid {
  display: grid;
  gap: var(--space-10);
  align-items: start;
}

@media (min-width: 768px) {
  .product-detail__grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.product-detail__header .product-detail__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  width: 4.5rem;
  height: 4.5rem;
  margin-bottom: 0;
  color: var(--color-teal);
  background-color: var(--color-teal-light);
  border-radius: var(--radius-xl);
}

.product-detail__overview {
  margin: 0;
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
  max-width: 65ch;
}

.product-detail__faq {
  margin-top: var(--space-10);
  width: 100%;
}

.product-detail__faq h3 {
  margin-bottom: var(--space-6);
}

.product-detail__faq .accordion {
  max-width: none;
  margin-inline: 0;
  width: 100%;
}

.product-detail__faq .accordion__trigger {
  font-size: var(--text-base);
  font-family: var(--font-sans);
}

.product-detail__faq h4 {
  margin: 0;
  font-size: inherit;
  font-weight: inherit;
}

.product-detail__cta {
  margin-top: var(--space-8);
  width: 100%;
}

.product-detail__label {
  display: inline-block;
  margin-bottom: var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-teal);
}

.product-detail h2 {
  margin-bottom: var(--space-4);
}

.product-detail__intro {
  margin-bottom: var(--space-6);
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.product-detail__list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
}

.product-detail__list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

.product-detail__list li::before {
  content: '✓';
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 1.25rem;
  height: 1.25rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-white);
  background-color: var(--color-success);
  border-radius: var(--radius-full);
}

.product-detail__highlights {
  display: grid;
  gap: var(--space-4);
}

@media (min-width: 480px) {
  .product-detail__highlights {
    grid-template-columns: repeat(2, 1fr);
  }
}

.product-detail__highlight {
  padding: var(--space-5);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
}

.product-detail__highlight strong {
  display: block;
  margin-bottom: var(--space-2);
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  color: var(--color-navy);
}

.product-detail__highlight span {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   24. Contact page, legal sections, map
   -------------------------------------------------------------------------- */
.contact-layout {
  display: grid;
  gap: var(--space-10);
}

@media (min-width: 1024px) {
  .contact-layout {
    grid-template-columns: 1fr 22rem;
    align-items: start;
  }
}

.contact-block {
  padding: var(--space-6);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius-xl);
  color: var(--color-text);
  box-shadow: var(--shadow-card);
}

.contact-block h3 {
  margin-bottom: var(--space-5);
  color: var(--color-brand);
  font-size: var(--text-lg);
}

.contact-block__list li {
  margin-bottom: var(--space-4);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

.contact-block__list a {
  color: var(--color-accent-dark);
  text-decoration: none;
  font-weight: var(--weight-semibold);
}

.contact-block__list a:hover {
  color: var(--color-accent-deep);
  text-decoration: underline;
}

.contact-block__list a:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.contact-block__emergency {
  margin-top: var(--space-6);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border);
}

.contact-block__emergency strong {
  display: block;
  margin-bottom: var(--space-2);
  color: var(--color-accent-dark);
  font-size: var(--text-sm);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.legal-section {
  padding-block: var(--space-12);
  border-bottom: 1px solid var(--color-border);
}

.legal-section:last-of-type {
  border-bottom: none;
}

.legal-section h2 {
  margin-bottom: var(--space-6);
  font-size: var(--text-2xl);
}

.legal-section h3 {
  margin: var(--space-8) 0 var(--space-4);
  font-size: var(--text-xl);
}

.legal-section p,
.legal-section li {
  margin-bottom: var(--space-4);
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.legal-section ul {
  list-style: disc;
  padding-left: var(--space-6);
  margin-bottom: var(--space-6);
}

.legal-section ul li {
  margin-bottom: var(--space-2);
}

.legal-section a {
  color: var(--color-teal);
  font-weight: var(--weight-medium);
}

.map-section {
  padding-block: var(--space-12);
}

.map-placeholder {
  position: relative;
  width: 100%;
  min-height: 18rem;
  background: linear-gradient(180deg, var(--color-surface-alt) 0%, var(--color-brand-light) 100%);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
}

@media (min-width: 768px) {
  .map-placeholder {
    min-height: 22rem;
  }
}

.map-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(23, 12, 128, 0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(23, 12, 128, 0.06) 1px, transparent 1px);
  background-size: 2rem 2rem;
}

.map-placeholder__pin {
  position: absolute;
  top: 45%;
  left: 50%;
  transform: translate(-50%, -100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
}

.map-placeholder__pin::before {
  content: '';
  width: 2rem;
  height: 2rem;
  background-color: var(--color-teal);
  border-radius: 50% 50% 50% 0;
  transform: rotate(-45deg);
  box-shadow: var(--shadow-md);
}

.map-placeholder__label {
  padding: var(--space-3) var(--space-5);
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  white-space: nowrap;
}

.map-placeholder__cta {
  position: absolute;
  bottom: var(--space-6);
  right: var(--space-6);
}

/* --------------------------------------------------------------------------
   25. Two-column content & advisor section
   -------------------------------------------------------------------------- */
.content-grid {
  display: grid;
  gap: var(--space-10);
  align-items: start;
}

.content-grid > * {
  min-width: 0;
}

@media (min-width: 768px) {
  .content-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-12);
  }
}

.content-grid--story {
  align-items: stretch;
}

@media (min-width: 768px) {
  .content-grid--story {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.story-content h2 {
  margin-bottom: var(--space-6);
}

.story-content p {
  margin: 0 0 var(--space-5);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.story-content p:last-child {
  margin-bottom: 0;
}

.story-content em {
  color: var(--color-navy);
  font-style: italic;
}

.section-content h2 {
  margin-bottom: var(--space-5);
}

.section-content p {
  margin: 0 0 var(--space-4);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
  overflow-wrap: break-word;
}

.section-content p:last-child {
  margin-bottom: 0;
}

.info-card {
  padding: var(--space-6);
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
}

.info-card h3 {
  margin-bottom: var(--space-4);
}

.info-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: var(--leading-relaxed);
}

.advisor-section {
  scroll-margin-top: calc(var(--header-height) + var(--space-4));
}

.icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  color: inherit;
}

.icon svg {
  width: 100%;
  height: 100%;
  flex-shrink: 0;
}

.product-card__icon .icon,
.feature-card__icon .icon,
.product-detail__header .product-detail__icon .icon {
  width: 2rem;
  height: 2rem;
}

/* --------------------------------------------------------------------------
   26. Scroll reveal animations
   -------------------------------------------------------------------------- */
.reveal,
[data-reveal] {
  opacity: 0;
  transform: translateY(1.5rem);
  transition:
    opacity var(--duration-reveal) var(--ease-out),
    transform var(--duration-reveal) var(--ease-out);
}

.reveal.revealed,
[data-reveal].revealed {
  opacity: 1;
  transform: translateY(0);
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(1.5rem);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.animate-fade-up {
  animation: fadeUp var(--duration-reveal) var(--ease-out) forwards;
}

/* --------------------------------------------------------------------------
   27. Reduced motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .reveal,
  [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .hero-illustration__card {
    animation: none;
  }

  .carousel__slide {
    transition: none;
  }

  .product-card:hover {
    transform: none;
  }

  .video-placeholder:hover {
    transform: none;
  }
}

/* Page-specific layouts */
.mvv-grid {
  display: grid;
  gap: var(--space-6);
  grid-template-columns: 1fr;
  align-items: stretch;
}

@media (min-width: 768px) {
  .mvv-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.mvv-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
}

.mvv-card h3 {
  margin-bottom: var(--space-4);
}

.mvv-card p {
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.mvv-card ul {
  margin: 0;
  padding-left: 1.35rem;
  list-style: disc;
  list-style-position: outside;
}

.mvv-card li {
  margin-bottom: var(--space-4);
  padding-left: var(--space-1);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.mvv-card li:last-child {
  margin-bottom: 0;
}

.mvv-card li strong {
  color: var(--color-text);
  font-weight: var(--weight-semibold);
}

.leadership-grid {
  display: grid;
  gap: var(--space-6);
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .leadership-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.leader-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: left;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.leader-card h3 {
  text-align: center;
  margin-bottom: var(--space-2);
}

.leader-card__avatar {
  width: 4rem;
  height: 4rem;
  margin: 0 auto var(--space-4);
  border-radius: 50%;
  background: var(--gradient-brand-accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
}

.leader-card__role {
  color: var(--color-teal);
  font-size: var(--text-sm);
  font-weight: 600;
  margin-bottom: var(--space-4);
  text-align: center;
}

.leader-card__bio p {
  margin: 0 0 var(--space-3);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.leader-card__bio p:last-child {
  margin-bottom: 0;
}

.process-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 1.25rem;
}

.process-steps li {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  background: var(--color-white);
  padding: 1.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.process-steps li span {
  flex-shrink: 0;
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 50%;
  background: var(--color-navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.content-highlight {
  background: var(--gradient-brand-hero);
  color: #fff;
  padding: var(--space-8);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  height: fit-content;
}

@media (min-width: 768px) {
  .content-highlight {
    position: sticky;
    top: calc(var(--header-height, 4.5rem) + var(--space-6));
  }
}

.content-highlight h3 {
  margin: 0 0 var(--space-6);
  color: #fff;
  font-size: var(--text-xl);
}

.content-highlight__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.content-highlight__list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  line-height: var(--leading-relaxed);
  font-size: var(--text-base);
}

.content-highlight__list li::before {
  content: '✓';
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 1.5rem;
  height: 1.5rem;
  margin-top: 0.1rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-navy);
  background-color: var(--color-gold);
  border-radius: var(--radius-full);
}

.product-nav-sticky {
  position: sticky;
  top: var(--header-height, 4.5rem);
  z-index: 900;
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.8);
  transition: top var(--duration-base) var(--ease-out);
}

body:has(.site-header.is-scrolled) .product-nav-sticky {
  top: var(--header-height-scrolled, 3.75rem);
}

.product-nav {
  display: flex;
  flex-wrap: nowrap;
  gap: 0.5rem;
  padding: var(--space-4) 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
}

.product-nav::-webkit-scrollbar {
  height: 4px;
}

.product-nav__link {
  flex-shrink: 0;
  min-height: 2.75rem;
  display: inline-flex;
  align-items: center;
  padding: 0.5rem 1rem;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: 999px;
  font-size: var(--text-sm);
  font-weight: 500;
  text-decoration: none;
  color: var(--color-navy);
  transition: var(--transition);
}

.product-nav__link:hover {
  border-color: var(--color-teal);
  color: var(--color-teal);
}

.product-detail__header {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  margin-bottom: 2rem;
  width: 100%;
}

.product-detail__header > div:not(.product-detail__icon) {
  flex: 1;
  min-width: 0;
}

.product-detail__grid > div h3 {
  margin-bottom: var(--space-4);
}

.product-detail__grid > div ul:not(.check-list) {
  padding-left: 1.25rem;
  margin: 0;
}

.product-detail__grid > div ul:not(.check-list) li {
  margin-bottom: 0.5rem;
  line-height: var(--leading-relaxed);
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

h2 + .check-list {
  margin-top: var(--space-5);
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  margin-bottom: var(--space-3);
  line-height: var(--leading-relaxed);
}

.check-list li:last-child {
  margin-bottom: 0;
}

.check-list li::before {
  content: '✓';
  flex-shrink: 0;
  color: var(--color-teal);
  font-weight: 700;
  line-height: inherit;
}

.claims-types-grid {
  display: grid;
  gap: 2rem;
}

@media (min-width: 768px) {
  .claims-types-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.numbered-list {
  list-style: decimal;
  list-style-position: outside;
  padding-left: 1.5rem;
  margin-top: var(--space-4);
}

.numbered-list li {
  margin-bottom: var(--space-3);
  padding-left: var(--space-2);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.numbered-list li:last-child {
  margin-bottom: 0;
}

.bullet-list {
  list-style: disc;
  list-style-position: outside;
  padding-left: 1.35rem;
  margin-top: var(--space-4);
}

.bullet-list li {
  margin-bottom: var(--space-2);
  padding-left: var(--space-1);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.bullet-list li:last-child {
  margin-bottom: 0;
}

.claims-type-card {
  padding: var(--space-6);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.claims-type-card h2 {
  margin-bottom: var(--space-3);
}

.claims-type-card > p {
  margin-bottom: var(--space-4);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.docs-grid,
.warning-grid {
  display: grid;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

@media (min-width: 768px) {
  .docs-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .warning-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.docs-card,
.warning-card {
  background: var(--color-white);
  padding: var(--space-6);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.docs-card h3 {
  margin-bottom: var(--space-3);
}

.warning-card {
  border-left: 4px solid var(--color-gold);
}

.form-layout,
.contact-layout,
.renew-layout {
  display: grid;
  gap: 2rem;
}

@media (min-width: 1024px) {
  .form-layout,
  .contact-layout {
    grid-template-columns: 1.2fr 1fr;
  }
  .renew-layout {
    grid-template-columns: 1fr 1.2fr;
  }
}

.renew-benefits h2 {
  margin-bottom: 0;
}

.renew-benefits .check-list {
  margin-bottom: var(--space-6);
}

.renew-note {
  margin-top: 0;
  padding: 1rem;
  background: rgba(23, 12, 128, 0.08);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
}

.form-hint {
  display: block;
  font-size: var(--text-xs);
  color: var(--color-muted);
  margin-top: 0.35rem;
}

.google-reviews-grid {
  display: grid;
  gap: 1.25rem;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.google-review-card {
  background: var(--color-white);
  padding: 1.25rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.google-review-card__header {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.75rem;
}

.google-review-card__stars {
  color: var(--color-gold);
}

.google-review-card__date {
  font-size: var(--text-xs);
  color: var(--color-muted);
}

.video-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.case-studies {
  display: grid;
  gap: 1.5rem;
}

.case-study-card {
  background: var(--color-white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.featured-articles h2 {
  margin-bottom: var(--space-6);
}

.featured-grid {
  display: grid;
  gap: var(--space-4);
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  margin-bottom: var(--space-8);
}

.featured-card {
  display: block;
  background: var(--color-white);
  padding: var(--space-8) var(--space-6) var(--space-6);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  text-decoration: none;
  color: inherit;
  transition:
    border-color var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out);
}

.featured-card:hover,
.featured-card:focus-visible {
  border-color: var(--color-teal);
  box-shadow: var(--shadow-md);
  text-decoration: none;
}

.featured-card > span:not(.featured-card__meta) {
  display: block;
  margin-bottom: var(--space-2);
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-teal);
  font-weight: var(--weight-semibold);
}

.featured-card h3 {
  margin: 0 0 var(--space-2);
  font-family: var(--font-serif);
  font-size: var(--text-lg);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
  transition: color var(--duration-fast) var(--ease-out);
}

.featured-card:hover h3 {
  color: var(--color-teal);
}

.featured-card p {
  margin: 0;
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.featured-card__meta {
  display: inline-block;
  margin-top: var(--space-3);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-teal);
}

.article-page__hero {
  background: linear-gradient(180deg, var(--color-brand-lighter) 0%, var(--color-white) 100%);
}

.article-page__hero.section {
  padding-bottom: var(--space-8);
}

.article-page__inner {
  max-width: 42rem;
  width: 100%;
  margin-inline: auto;
}

.article-page__category {
  display: inline-block;
  margin-bottom: var(--space-3);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-teal);
}

.article-page__excerpt {
  margin: var(--space-4) 0 var(--space-3);
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.article-page__meta {
  margin: 0;
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-navy);
}

.article-page__body {
  padding-top: var(--space-12);
  padding-bottom: var(--space-12);
}

.article-page__section + .article-page__section {
  margin-top: var(--space-8);
}

.article-page__section h2 {
  margin-bottom: var(--space-4);
  font-size: var(--text-2xl);
}

.article-page__section p {
  margin: 0 0 var(--space-4);
  line-height: var(--leading-relaxed);
  color: var(--color-text);
}

.article-page__section p:last-child {
  margin-bottom: 0;
}

.article-page__related h2 {
  margin-bottom: var(--space-6);
}

.related-articles-grid {
  display: grid;
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .related-articles-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.related-article-card {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  padding: var(--space-5);
  text-decoration: none;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--duration-base) var(--ease-out), border-color var(--duration-base) var(--ease-out);
}

.related-article-card:hover,
.related-article-card:focus-visible {
  border-color: var(--color-teal);
  box-shadow: var(--shadow-card-hover);
}

.related-article-card span {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-teal);
}

.related-article-card h3 {
  margin: 0;
  font-size: var(--text-lg);
  color: var(--color-navy);
}

.related-article-card p {
  margin: 0;
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}

.articles-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
}

.article-count {
  color: var(--color-muted);
  margin-bottom: 1rem;
}

.emergency-strip {
  background: var(--gradient-brand-hero);
  color: #fff;
  padding: 2rem 0;
}

.emergency-strip h2,
.emergency-strip p {
  color: #fff;
}

.emergency-strip h2 {
  margin-bottom: var(--space-2);
}

.emergency-strip p {
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
}

.emergency-strip__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  align-items: center;
  justify-content: space-between;
}

.legal-content {
  max-width: 48rem;
}

.legal-content p {
  line-height: 1.7;
}

.section--compact {
  padding-top: 2rem;
}

.knowledge-category {
  margin-bottom: 2.5rem;
}

.knowledge-category h3 {
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--color-brand);
}

.article-preview-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.article-preview-card {
  background: var(--color-white);
  padding: 1.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.article-preview-card__meta {
  font-size: var(--text-xs);
  color: var(--color-muted);
}

.map-placeholder {
  margin-top: 1.5rem;
  min-height: 200px;
  background: linear-gradient(135deg, var(--color-brand-light), var(--color-border));
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border: 1px solid var(--color-border);
}

.map-placeholder__hint {
  font-size: var(--text-sm);
  color: var(--color-muted);
  margin-top: 0.5rem;
}

.partners-section {
  padding-block: var(--py-section);
}

.partners-section .section-header {
  margin-bottom: var(--space-12);
}

.partners-section .partner-logos {
  gap: var(--space-5);
}

.article-card__body {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--color-border);
  font-size: var(--text-sm);
  line-height: var(--leading-relaxed);
}

.article-card.filtered-out {
  display: none !important;
}

.login-form__options {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
  font-size: var(--text-sm);
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
}

.login-benefits {
  list-style: none;
  padding: 0;
  margin: 0;
}

/* ==========================================================================
   Modern design revamp — layout, components & visual polish
   ========================================================================== */

.text-gradient {
  background: var(--gradient-brand-accent);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

body {
  background:
    radial-gradient(ellipse 80% 50% at 50% -20%, rgba(23, 12, 128, 0.04) 0%, transparent 55%),
    var(--color-bg);
}

/* Section labels — pill badge */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.4rem 0.95rem;
  font-size: var(--text-xs);
  letter-spacing: 0.1em;
  background: var(--color-accent-light);
  border: 1px solid rgba(0, 156, 222, 0.15);
  border-radius: var(--radius-full);
}

.section-label::before {
  content: '';
  width: 0.4rem;
  height: 0.4rem;
  border-radius: var(--radius-full);
  background: var(--color-accent);
  box-shadow: 0 0 8px rgba(0, 156, 222, 0.5);
}

.section-label--light {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.2);
  color: rgba(255, 255, 255, 0.95);
}

.section-label--light::before {
  background: var(--color-accent);
}

.section-header {
  max-width: 44rem;
  margin-bottom: var(--space-12);
}

.trust-section .section-header,
.why-section .section-header,
.products-section .section-header,
.partners-section .section-header,
.faq-section .section-header,
.knowledge-preview .section-header {
  margin-inline: auto;
  text-align: center;
}

.section--alt {
  background-color: var(--color-surface-alt);
  background-image:
    linear-gradient(rgba(23, 12, 128, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(23, 12, 128, 0.025) 1px, transparent 1px);
  background-size: 3rem 3rem;
  border-block: none;
}

/* Buttons — pill shape & depth */
.btn {
  border-radius: var(--radius-full);
  letter-spacing: 0.01em;
}

.btn--primary {
  box-shadow: var(--shadow-glow-accent);
}

.btn--primary:hover {
  box-shadow: 0 12px 36px rgba(0, 156, 222, 0.35);
  transform: translateY(-1px);
}

.btn--secondary {
  box-shadow: var(--shadow-glow-brand);
}

.btn--secondary:hover {
  transform: translateY(-1px);
}

.btn--ghost {
  color: var(--color-brand);
  background: var(--color-white);
  border-color: var(--color-border-strong);
  box-shadow: var(--shadow-sm);
}

.btn--ghost:hover {
  color: var(--color-brand);
  background: var(--color-white);
  border-color: var(--color-brand);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

/* Header — refined glass bar */
.site-header {
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: blur(20px) saturate(1.4);
  -webkit-backdrop-filter: blur(20px) saturate(1.4);
  border-bottom: 1px solid rgba(227, 230, 239, 0.6);
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 8px 32px rgba(23, 12, 128, 0.06);
}

.nav-link {
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
}

.nav-link.is-active {
  color: var(--color-brand);
  background: rgba(23, 12, 128, 0.06);
  box-shadow: inset 0 0 0 1px rgba(23, 12, 128, 0.08);
}

.logo__image {
  height: 2.5rem;
}

@media (min-width: 1024px) {
  .logo__image {
    height: 2.875rem;
  }
}

/* Homepage hero */
.hero-home {
  min-height: calc(100svh - var(--header-height));
  display: flex;
  align-items: center;
  padding-block: var(--space-10) var(--py-section);
}

.hero-home__bg::after {
  display: none;
}

.hero-home__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}

.hero-home__orb--1 {
  top: -10%;
  left: -5%;
  width: 28rem;
  height: 28rem;
  background: rgba(23, 12, 128, 0.12);
}

.hero-home__orb--2 {
  bottom: 0;
  right: -5%;
  width: 24rem;
  height: 24rem;
  background: rgba(0, 156, 222, 0.1);
}

.hero-home__grid-pattern {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(23, 12, 128, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(23, 12, 128, 0.03) 1px, transparent 1px);
  background-size: 4rem 4rem;
  mask-image: linear-gradient(180deg, black 0%, transparent 85%);
}

.hero-home__content h1 {
  max-width: 14ch;
  margin-bottom: var(--space-5);
}

.hero-home__tagline span {
  display: block;
}

.hero-home__tagline {
  color: var(--color-brand);
  font-weight: var(--weight-semibold);
}

.trust-badges {
  padding: var(--space-5);
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-card);
}

/* Hero showcase panel */
.hero-showcase {
  position: relative;
  width: 100%;
  max-width: 26rem;
  margin-inline: auto;
}

.hero-showcase__glow {
  position: absolute;
  inset: 10% 5%;
  background: var(--gradient-brand-accent);
  border-radius: var(--radius-3xl);
  filter: blur(48px);
  opacity: 0.35;
}

.hero-showcase__panel {
  position: relative;
  padding: var(--space-10) var(--space-8);
  text-align: center;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.95);
  border-radius: var(--radius-3xl);
  box-shadow: var(--shadow-xl);
}

.hero-showcase__shield svg {
  width: 5.5rem;
  height: auto;
  margin-inline: auto;
}

.hero-showcase__label {
  margin-top: var(--space-5);
  font-family: var(--font-serif);
  font-size: var(--text-base);
  font-weight: var(--weight-semibold);
  color: var(--color-brand);
}

.hero-showcase__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border);
}

.hero-showcase__stats div {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.hero-showcase__stats strong {
  font-family: var(--font-serif);
  font-size: var(--text-sm);
  color: var(--color-brand);
}

.hero-showcase__stats span {
  font-size: var(--text-xs);
  line-height: 1.35;
  color: var(--color-text-muted);
}

/* Cards — unified modern surface */
.trust-card,
.product-card,
.feature-card,
.mvv-card,
.leader-card,
.article-card,
.article-preview-card {
  border-radius: var(--radius-2xl);
  border: 1px solid rgba(227, 230, 239, 0.9);
  box-shadow: var(--shadow-card);
  transition:
    transform var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out);
}

.trust-card:hover,
.feature-card:hover,
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(0, 156, 222, 0.25);
}

.trust-card--irdai {
  background: var(--gradient-brand);
  border-color: transparent;
  box-shadow: var(--shadow-glow-brand);
}

.product-card__icon,
.feature-card__icon {
  width: 3.25rem;
  height: 3.25rem;
  border-radius: var(--radius-xl);
  background: linear-gradient(135deg, var(--color-accent-light) 0%, rgba(255, 255, 255, 0.9) 100%);
  box-shadow: inset 0 0 0 1px rgba(0, 156, 222, 0.12);
}

.partner-logo {
  border-radius: var(--radius-xl);
  transition:
    transform var(--duration-base) var(--ease-out),
    box-shadow var(--duration-base) var(--ease-out);
}

.partner-logo:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.partner-logo__initials {
  border-radius: var(--radius-lg);
}

/* Page hero — immersive header */
.page-hero {
  position: relative;
  overflow: hidden;
  padding-block: var(--space-12);
  background: var(--gradient-brand);
}

@media (min-width: 768px) {
  .page-hero {
    padding-block: var(--space-16);
  }
}

.page-hero__bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.page-hero__orb {
  position: absolute;
  top: -40%;
  right: -10%;
  width: 50%;
  height: 140%;
  background: radial-gradient(circle, rgba(0, 156, 222, 0.25) 0%, transparent 65%);
}

.page-hero__pattern {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.14) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.14) 1px, transparent 1px),
    linear-gradient(rgba(0, 156, 222, 0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0, 156, 222, 0.08) 1px, transparent 1px);
  background-size:
    2.5rem 2.5rem,
    2.5rem 2.5rem,
    5rem 5rem,
    5rem 5rem;
  opacity: 0.55;
}

.page-hero__inner {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  max-width: 44rem;
}

.page-hero h1 {
  color: var(--color-white);
  margin: 0;
}

.page-hero .section-label {
  align-self: flex-start;
  width: fit-content;
  margin-bottom: 0;
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.2);
  color: rgba(255, 255, 255, 0.95);
}

.page-hero--light .page-hero__bg {
  display: none;
}

.breadcrumb {
  background: transparent;
  border-bottom: none;
}

/* Final CTA — split layout with action panel */
.final-cta {
  position: relative;
  overflow: hidden;
  padding-block: var(--space-16);
  background: linear-gradient(
    135deg,
    var(--color-brand-dark) 0%,
    var(--color-brand) 45%,
    #1a1288 100%
  );
  border-top: none;
  color: var(--color-white);
}

.final-cta__bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.final-cta__mesh {
  position: absolute;
  inset: 0;
  opacity: 0.35;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 80% 70% at 30% 50%, black 20%, transparent 75%);
}

.final-cta__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
}

.final-cta__orb--1 {
  top: -15%;
  right: -5%;
  width: 28rem;
  height: 28rem;
  background: rgba(0, 156, 222, 0.22);
}

.final-cta__orb--2 {
  bottom: -25%;
  left: -8%;
  width: 22rem;
  height: 22rem;
  background: rgba(255, 255, 255, 0.06);
}

.final-cta__layout {
  position: relative;
  display: grid;
  gap: var(--space-8);
  align-items: center;
}

@media (min-width: 900px) {
  .final-cta__layout {
    grid-template-columns: 1.15fr 0.85fr;
    gap: var(--space-10);
  }
}

.final-cta__copy {
  text-align: center;
}

@media (min-width: 900px) {
  .final-cta__copy {
    text-align: left;
  }
}

.final-cta__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-bottom: var(--space-5);
  padding: 0.35rem 0.9rem;
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.95);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-full);
}

.final-cta__eyebrow::before {
  content: '';
  width: 0.45rem;
  height: 0.45rem;
  border-radius: var(--radius-full);
  background: var(--color-accent);
  box-shadow: 0 0 10px rgba(0, 156, 222, 0.65);
}

.final-cta h2 {
  margin-bottom: var(--space-5);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  line-height: var(--leading-tight);
  color: var(--color-white);
  text-wrap: balance;
}

.final-cta__desc {
  max-width: 34rem;
  margin-bottom: var(--space-8);
  font-size: var(--text-lg);
  line-height: var(--leading-relaxed);
  color: rgba(255, 255, 255, 0.82);
}

@media (min-width: 900px) {
  .final-cta__desc {
    margin-inline: 0;
  }
}

@media (max-width: 899px) {
  .final-cta__desc {
    margin-inline: auto;
  }
}

.final-cta__trust {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-3) var(--space-6);
  margin: 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 900px) {
  .final-cta__trust {
    justify-content: flex-start;
  }
}

.final-cta__trust li {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: rgba(255, 255, 255, 0.88);
}

.final-cta__trust-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.25rem;
  height: 1.25rem;
  font-size: 0.65rem;
  font-weight: var(--weight-bold);
  color: var(--color-brand);
  background: var(--color-accent);
  border-radius: var(--radius-full);
}

.final-cta__panel {
  padding: var(--space-8);
  text-align: center;
  background: var(--color-white);
  border-radius: var(--radius-2xl);
  box-shadow:
    0 4px 24px rgba(10, 5, 64, 0.12),
    0 24px 48px rgba(10, 5, 64, 0.18);
}

.final-cta__panel-label {
  margin-bottom: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-accent-dark);
}

.final-cta__panel-lead {
  margin-bottom: var(--space-6);
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--color-text-muted);
}

.final-cta__actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.final-cta__phone {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  padding-top: var(--space-5);
  text-decoration: none;
  border-top: 1px solid var(--color-border);
  transition: color var(--duration-fast) var(--ease-out);
}

.final-cta__phone:hover {
  color: var(--color-accent-dark);
}

.final-cta__phone:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: var(--radius-sm);
}

.final-cta__phone-label {
  font-size: var(--text-xs);
  font-weight: var(--weight-medium);
  color: var(--color-text-muted);
}

.final-cta__phone-number {
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--color-brand);
  letter-spacing: -0.01em;
}

.final-cta__phone:hover .final-cta__phone-number {
  color: var(--color-accent-dark);
}

/* Footer — cleaner hierarchy */
.site-footer {
  border-top: none;
  background:
    linear-gradient(180deg, var(--color-brand) 0%, var(--color-brand-dark) 100%);
}

.footer-bottom {
  border-top-color: rgba(255, 255, 255, 0.1);
}

/* FAQ — card-style accordion */
.faq-section .accordion {
  border-radius: var(--radius-2xl);
  overflow: hidden;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-card);
  background: var(--color-white);
}

.accordion__item {
  border-color: var(--color-border);
}

.accordion__trigger {
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-base);
}

.faq-section .accordion__panel {
  padding: var(--space-2) var(--space-6) var(--space-6);
}

.accordion__trigger:hover {
  background: var(--color-surface-alt);
}

/* Claims timeline & process polish */
.process-steps li span,
.claims-timeline__step span {
  box-shadow: var(--shadow-glow-accent);
}

.content-highlight {
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-card);
}

@media (max-width: 767px) {
  .hero-showcase__stats {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .hero-home {
    min-height: auto;
  }
}